Is it possible to buy an apartment in Poland with cash in 2026?

Is it possible to pay for an apartment in Poland in cash?

Many buyers, especially foreigners, ask themselves: Is it possible to buy an apartment in Poland with cash? There's often conflicting information online—some claim cash payments are prohibited due to anti-money laundering measures, while others say everything is possible without restrictions.

Let's look at real practice buying real estate in Poland and AML requirements valid as of the beginning of 2026.

Methods of payment for real estate in Poland

When buying an apartment in Poland, there are three main payment methods:

• Bank transfer — the most common option, especially when mortgage.
• Notarial deposit — the money is temporarily placed in the notary’s deposit account until the completion of the transaction.
• Payment in cash — transfer of cash upon signing of a notarial agreement.

Cash payments used to be more popular. Today, bank transfers are more common, however buying an apartment in Poland cash is still possible.

Is it true that a notary will not conduct a transaction with cash?

There's a common misconception that a notary in Poland will refuse to process a transaction if the transaction is in cash. In practice, this isn't the case.

If the seller and buyer agree to this form of payment, the notary can formalize the transaction. In actual transactions, cash payments can reach several hundred thousand zlotys.

The key condition is compliance with the law and a willingness to explain the origin of the funds.

What is AML and how is it checked?

AML (Anti-Money Laundering) — is a system of measures aimed at combating money laundering and terrorist financing. In Poland, enhanced AML checks have been actively implemented since 2018–2019 and continue to be tightened.

When purchasing real estate, a notary can:

• ask questions about the origin of funds;
• ask for logical confirmation of the source of the money;
• if necessary, submit information for further verification.

It is important to understand that paying in cash is not in itself a violation. The check is launched only when doubts arise.

If the money is of legal origin, the transaction is completed successfully.

Buying an apartment in Poland for foreigners and cash payments

For foreign buyers, the issue of confirming the origin of funds is especially important. Funds may be received from:

• sales of real estate in another country;
• savings;
• business;
• dividends and other legal income.

If you can explain and confirm the source of funds, you have the right to pay for the apartment in cash, with the consent of the seller.

A combined scheme is also allowed: part of the amount in cash, part by bank transfer.

Conclusion

✔ Buying an apartment in Poland for cash is possible.
✔ A notary can conduct such a transaction subject to AML requirements.
✔ It is important to have a clear origin of funds.
✔ Payment terms are agreed individually with the seller.

ℹ️ Information is current as of early 2026. Legislation is subject to change.

If you are planning to purchase real estate in Poland and would like to receive individual advice, please contact us.